Life and AD&D Insurance
Life insurance provides financial protection for the people who depend on you by paying a cash benefit to your beneficiary if you die. UMG provides Basic Life Insurance at no cost, and you can purchase additional coverage for yourself and your family.
Your life insurance options
| Coverage | Your cost | |
| Basic Life | 1x your salary, up to $1 million* | $0 (provided by UMG) |
| Voluntary Life | Up to 6x your salary, up to $3 million | Employee-paid |
| Spouse Life | Up to $100,000; cannot exceed 50% of your employee coverage | Employee-paid |
| Child Life | $5,000 increments, up to $25,000 for eligible children until age 26 | Employee-paid |
Don’t forget your beneficiary
Your beneficiary is the person—or people—you choose to receive your life insurance benefit. Be sure to add and keep your beneficiary information up to date at umusicbenefits.com.
You may need to provide health information
Depending on the amount of coverage you elect, you may be asked to complete Evidence of Insurability (EOI). This is a short health questionnaire The Hartford uses to determine whether your additional coverage can be approved. You may view this instruction PDF on how to complete the EOI process.
Leaving UMG?
You may be able to continue certain life insurance coverage after you leave UMG by submitting the portability application to The Hartford.
Resources:
Have questions on your benefits?
Contact the Benefit Service Center at
(888) 526-2794
from 8 am – 5 pm PT.
The Hartford
Phone: (888) 301-5615
Website: mybenefits.thehartford.com